Does medical insurance cover car accidents

Health Insurance Cover Car Accidents


The last thing any motorist wants is to be in a car accident. The resulting physical pain and property damage means you’re going to have to deal with auto insurance carriers. Your own, as well as the company of the other person involved. In Texas, all drivers are required to carry liability insurance to pay for car repairs and medical expenses when found to be at fault.

Your liability insurance will not cover injuries you’ve sustained, though. To pay for medical expenses, you have options: if the other person is at fault, their liability insurance should cover you. Or, you may be able to use your health insurance to cover the cost of your injuries.

Always Seek Medical Attention Immediately After an Accident

Typically, health insurance covers medical treatment for injuries regardless of whether or not they were caused by an auto accident. Always seek medical attention right away after a car collision, even if you feel fine.

The negative physical effects of a crash aren’t always immediately apparent, does health insurance cover car accident injuries, and a hospital has the tools to detect injuries you may not feel due to adrenaline or shock.

An insurance adjuster may suggest you wait for their referral to see a doctor, but this could potentially damage your claim. The more time has passed between the time of your accident and the time of medical care, car injury doctors,  the easier it will be for the auto insurance company to deny your pain and suffering was directly caused by the accident.

Health insurance carriers can recoup the cost of your medical expenses through a process called subrogation. If your provider successfully recovers these expenses, they will have to divide the amount received proportionally. In this way, any funds you paid towards a deductible are returned.

Know What Your Insurance Plan Covers

Health Insurance Presented After Auto Accident

How to get paid after a car accident? To best know which form of insurance will cover what, carefully review both your auto and your health insurance policies. Some health insurance carriers classify auto accident injuries as secondary coverage. These policies won’t cover your medical expenses until the auto insurance limit has been met.

In Texas, if you are found to be at fault in an auto accident, it is your responsibility to pay for property and bodily damage to the other party.
Texas current minimum liability insurance is known as 30/60/25 coverage. This limits payments to $30,000 for each injured person, totaling $60,000 per accident (if two or more people are injured) and $25,000 to cover property damage to the other party. While this may seem like a good amount of money, it may not be nearly enough depending on the severity of your injuries.

Say you suffer the misfortune of a traumatic brain injury or spinal cord injury; $30,000 won’t cover the cost of rehabilitation for one month, let alone a lifetime. It’s a smart idea to include Personal Injury Protection (PIP) or medical payments coverage to your policy. This way, medical costs are covered no matter who’s ultimately at fault. When it comes to ensuring your ability to physically and financially recover after an auto accident, the best advice is: be prepared. Consider what you stand to lose if you are gravely injured in an auto accident or if you should injure someone else. Saving a few bucks on your monthly insurance rate might not save you anything at all when you weigh it against the worst-case scenario. Research the kind of coverage that will properly protect you.

Remember insurance agencies often care more about their profits than your recovery. Sometimes the only way to get through their red tape is by having an experienced attorney fight on your behalf. If you were injured in an auto accident, a personal injury attorney can make all the difference in your ability to get the compensation you deserve. We at Pierce Skrabanek PLLC are here to help.


Short answer is YOU, but then the negligent driver’s insurance company will reimburse you.

If you are injured in auto accident clinic that is not your fault, the other driver (usually through his insurance company) is responsible for your medical bills. However the other driver’s insurance won’t pay your car accident doctors directly or reimburse you after every doctor visit. Instead, you will need to wait until after you have finished all medical treatments and have been discharged by your doctors before asking for a settlement check from insurance company. Depending on your injuries, it could take several months, or even years, before you reach ‘maximum medical improvement, geico car accident settlements, and get discharged by your doctors. In the meantime, most doctors need to get paid right away or they will send you to collections.

Coordinating medical payments

That’s where other insurance steps in. If you have health insurance or Medicare, you can submit your doctor bills to them. Even better is if you have “Medical Payment” coverage (“Med Pay” for short) under your own car accident injury settlement insurance policy. Med Pay will pay your doctors and even reimburse you for health insurance co-pays and deductibles if you choose to use your health insurance too.

If you don’t have insurance or any means to pay for medical care after an auto accident injury, Gama Law Firm can put you in touch with medical professionals who will treat you now but defer their bills until you settle with the negligent driver’s insurance company. Gama Law Firm can also help keep those bills you’ve already received out of collections.

Keep in mind that when you do settle with the other driver’s insurance company, you may need to use a portion of that settlement money to reimburse your health insurance, Medicare, or other people who have treated you on the condition that they would get paid back out of your settlement.

Depending on the reimbursement rate and right to be reimbursed, the amount of a settlement you put in your pocket can be significantly affected by which bills you pay first, which bills you submit to health insurance or Med Pay, and which bills can be deferred until settlementThis involves strategy that you need to discuss early on with your attorney.  

Example of how medical bills get taken care of in a typical personal injury case:

  1. John gets injured in accident caused by someone else.
  2. John’s medical care includes an ambulance trip, a hospital visit, several doctor visits, two months of physical therapy, and a spine injection by a pain management doctor to help manage the pain.
  3. John submits all of his bills to his health insurance company. The spine injection is the only service that is not covered by his health insurance, but John’s attorney gets the pain management doctor to agree to keep his bill out of collections until they can settle his case with the other driver.
  4. After six months of care, John is discharged by his doctors.
  5. John’s attorney prepares a settlement package and after some negotiations between John’s attorney and the other driver’s insurance company, John finally agrees to a settlement. The settlement includes fair compensation for all medical bills (including health insurance co-pays and deductibles), John’s lost wages, pain, suffering, and inconvenience.
  6. John’s attorney notifies his health insurance company about the settlement, who requests reimbursement for their payouts. After some negotiation, his insurance agrees to reduce their reimbursement request by 20%.
  7. John’s attorney also negotiates with the pain management doctor who agrees to discount his bill by 30%.
  8. John keeps the rest (minus attorney fees and any case costs).

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